Hi,

Yes! I'm with smile and although the in-credit interest rate with smilemore is neglibile, I'd like to hear who you decided to go with - and why. The ethical banking policy and highly-rated customer service are certainly attractive - but it would good to hear about the decision you made.

Hello, hoping someone can give me some advice... I've been reading around about packaged accounts for a couple of weeks but still can't decide.

I'm leaning towards the Co-op one because I like the fact that they are an ethical bank (and the gadget cover would suit me quite well), this article makes them sound pretty good too:

http://www.dailymail.co.uk/money/article-1193505/Revealed-Five-accounts-ARE-worth-paying-for.html

But before I go for it I wondered if anybody had any other recommendations?

Thanks for your time!